Prepaid Dental. Good news about dental benefits for employees of. UMB Financial - Texas

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1 Prepaid Dental Good news about dental benefits for employees of UMB Financial - Texas A Dental Plan Means Healthy Smiles Because you are a valued employee, we are pleased to offer you the opportunity to enroll in a dental benefit plan provided by United Dental Care of Texas, Inc. and administered by Union Security Insurance Company. This prepaid dental plan offers benefits through a network of Plan Dentists. When you enroll for benefits, treatments you receive from your selected Plan Dentist will be provided at reduced fees called copayments. For your information, a partial list of frequently used dental treatments is included. Plan Features No Deductibles No Waiting Periods Coverage for Pre-existing Conditions No Claim Forms to File for Plan Dentist and Plan Specialty Dentist Services No Referrals Required for Specialty Dentist Services No Annual Maximum for Plan Dentist and Plan Specialty Dentist Services Important Enrollment Information To enroll, just follow three simple steps: 1. Select a general dentist from the Directory of Dentists for yourself and every eligible member of your family. Each family member may choose a different Plan Dentist. You must select a Plan Dentist to receive services. Except for certain Specialty Dentist services, all services must be performed by this selected Plan Dentist. You may change your Plan Dentist(s) throughout the Plan Year in accordance with the provisions of the group agreement. However, all services must be performed by a Plan Provider. 2. Complete the enclosed enrollment form, being sure to include the Dental Facility Number of each Plan Dentist selected. 3. Return your completed enrollment form to your Personnel Department or Benefits Manager authorizing payroll deductions for your coverage. Finding a Provider You can find a dental provider in the Heritage Series Provider Network by visiting our web site at clicking on the Provider Search link, and then selecting Heritage Series. Availability of Plan Dentists and Plan Specialty Dentists varies depending on location. If you have any questions, call Customer Service at Benefits are provided by United Dental Care of Texas, Inc. and administered by Union Security Insurance Company. United Dental Care of Texas, Inc. is a Dental HMO (Health Maintenance Organization) or DHMO. GDSA Form No. BDC-GDSA-TX BDC-A-ENCVR-UDCTX Prepaid - page 1

2 Monthly Payroll Deduction Savings You Can See Employee... $11.00 Employee + 1 Dependent... $20.00 Employee + Family... $27.00 May be changed according to the terms of the Group Dental Service Agreement. Cost includes the Specialty Benefit. The following is a list of commonly used dental treatments. It is not the Evidence of Coverage. After you enroll, a complete list of copayments will be provided to you along with your Evidence of Coverage. Secure Plan 1. Plan Dentist Services The dental services listed in the following schedule are covered only when provided by the Member's selected Plan Dentist. The Member will be responsible for paying the amount listed in the "Member " column (plus any applicable lab fees*) at the time the service is received, or in accordance with the selected Plan Dentist's billing procedures. To fully understand the benefits, exclusions and limitations of this plan, the Member should consult the Evidence of Coverage. The Plan Dentist is permitted to charge the member for any missed appointments if the Member fails to give at least 24 hours notice. The charge may not exceed $ Services marked with a single asterisk (*) below also require separate payment of laboratory charges. The laboratory charges must be paid to the Plan Dentist in addition to any applicable copayment for the service. Payment for each service of a Non-Plan Dentist (at that dentist's normal retail charge) is the responsibility of the Member, except for Plan Benefits for covered dental Emergency Services. 2. Plan Specialty Dentist Services See the enclosed Specialty Benefit Schedule. ADA Code** Service Description** Member Appointments None Office visit - during regularly scheduled hours*** D0120 Periodic oral evaluation - established patient... No Charge D0140 Limited oral evaluation - problem focused D0150 Comprehensive oral evaluation - new or established patient... No Charge D0160 Detailed and extensive oral evaluation - problem focused, by report D0170 Re-evaluation - limited, problem focused (established patient; not post-operative visit) D0180 Comprehensive periodontal evaluation - new or established patient D9310 Consultation - diagnostic service provided by dentist or physician other than requesting dentist or physician D9440 Office visit - after regularly scheduled hours Diagnostic Dentistry D0210 Intraoral - complete series (including bitewings) (once in any 3 calendar years) D0220 Intraoral - periapical first film... No Charge D0230 Intraoral - periapical each additional film... No Charge D0240 Intraoral - occlusal film... No Charge D0250 Extraoral - first film... No Charge D0260 Extraoral - each additional film... No Charge D0270 Bitewing - single film... No Charge Continued On Next Page Prepaid - page 2 BDC-A-CS-TX

3 ADA Code** Service Description** Member D0272 Bitewings - two films... No Charge D0274 Bitewings - four films... No Charge D0277 Vertical bitewings - 7 to 8 films... No Charge D0330 Panoramic film (once in any 3 calendar years) D0415 Collection of microorganisms for culture and sensitivity... No Charge D0425 Caries susceptibility tests... No Charge D0460 Pulp vitality tests... No Charge Preventive Dentistry D1110 Prophylaxis - adult D1120 Prophylaxis - child D1203 Topical application of fluoride - child... No Charge D1310 Nutritional counseling for control of dental disease... No Charge D1330 Oral hygiene instructions... No Charge D1351 Sealant - per tooth D1510 Space maintainer - fixed - unilateral* D1515 Space maintainer - fixed - bilateral* D1520 Space maintainer - removable - unilateral* D1525 Space maintainer - removable - bilateral* D1550 Re-cementation of space maintainer None Additional prophylaxis (D1110 or D1120 service does not apply to patients with periodontal disease)*** Restorative Dentistry D2140 Amalgam - one surface, primary or permanent D2150 Amalgam - two surfaces, primary or permanent D2160 Amalgam - three surfaces, primary or permanent D2161 Amalgam - four or more surfaces, primary or permanent D2330 Resin-based composite - one surface, anterior D2331 Resin-based composite - two surfaces, anterior D2332 Resin-based composite - three surfaces, anterior D2335 Resin-based composite - four or more surfaces or involving incisal angle (anterior) D2391 Resin-based composite - one surface, posterior D2392 Resin-based composite - two surfaces, posterior D2393 Resin-based composite - three surfaces, posterior D2394 Resin-based composite - four or more surfaces, posterior D2510 Inlay - metallic - one surface* D2520 Inlay - metallic - two surfaces* D2530 Inlay - metallic - three or more surfaces* D2542 Onlay - metallic - two surfaces* D2543 Onlay - metallic - three surfaces* D2544 Onlay - metallic - four or more surfaces* D2610 Inlay - porcelain/ceramic one surface* D2620 Inlay - porcelain/ceramic two surfaces* D2630 Inlay - porcelain/ceramic three or more surfaces* D2740 Crown - porcelain/ceramic substrate* D2750 Crown - porcelain fused to high noble metal* D2751 Crown - porcelain fused to predominantly base metal* D2752 Crown - porcelain fused to noble metal* D2790 Crown - full cast high noble metal* D2791 Crown - full cast predominantly base metal* D2792 Crown - full cast noble metal* D2910 Recement inlay, onlay, or partial coverage restoration D2920 Recement crown D2930 Prefabricated stainless steel crown - primary tooth D2940 Sedative filling D2950 Core buildup, including any pins Continued On Next Page BDC-A-CS-TX Prepaid - page 3

4 ADA Code** Service Description** Member D2951 Pin retention - per tooth, in addition to restoration D2952 Post and core in addition to crown, indirectly fabricated* D2954 Prefabricated post and core in addition to crown D2962 Labial veneer (porcelain laminate) - laboratory* D2980 Crown repair, by report* None Temporary filling*** Endodontics D3110 Pulp cap - direct (excluding final restoration) D3120 Pulp cap - indirect (excluding final restoration) D3220 Therapeutic pulpotomy (excluding final restoration) - removal of pulp coronal to the dentinocemental junction and application of medicament D3310 Endodontic therapy, anterior tooth (excluding final restoration) D3320 Endodontic therapy, bicuspid tooth (excluding final restoration) D3330 Endodontic therapy, molar (excluding final restoration) D3346 Retreatment of previous root canal therapy - anterior D3347 Retreatment of previous root canal therapy - bicuspid D3348 Retreatment of previous root canal therapy - molar D3410 Apicoectomy/periradicular surgery - anterior D3421 Apicoectomy/periradicular surgery - bicuspid (first root) D3425 Apicoectomy/periradicular surgery - molar (first root) D3426 Apicoectomy/periradicular surgery - (each additional root) D3430 Retrograde filling - per root D3450 Root amputation - per root D3920 Hemisection (including any root removal), not including root canal therapy Periodontics D4210 Gingivectomy or gingivoplasty - four or more contiguous teeth or tooth bounded spaces per quadrant D4211 Gingivectomy or gingivoplasty - one to three contiguous teeth or tooth bounded spaces per quadrant D4240 Gingival flap procedure, including root planing - four or more contiguous teeth or tooth bounded spaces per quadrant D4241 Gingival flap procedure, including root planing - one to three contiguous teeth or tooth bounded spaces per quadrant D4260 Osseous surgery (including flap entry and closure) - four or more contiguous teeth or tooth bounded spaces per quadrant D4261 Osseous surgery (including flap entry and closure) - one to three contiguous teeth or tooth bounded spaces per quadrant D4320 Provisional splinting - intracoronal D4321 Provisional splinting - extracoronal D4341 Periodontal scaling and root planing - four or more teeth per quadrant D4342 Periodontal scaling and root planing - one to three teeth per quadrant D4355 Full mouth debridement to enable comprehensive evaluation and diagnosis D4910 Periodontal maintenance None Periodontal hygiene instructions*** Prosthodontics, removable D5110 Complete denture - maxillary* D5120 Complete denture - mandibular* D5130 Immediate denture - maxillary* D5140 Immediate denture - mandibular* D5211 Maxillary partial denture - resin base (including any conventional clasps, rests and teeth)* D5212 Mandibular partial denture - resin base (including any conventional clasps, rests and teeth)* D5213 Maxillary partial denture - cast metal framework with resin denture bases (including any conventional clasps, rests and teeth)* D5214 Mandibular partial denture - cast metal framework with resin denture bases (including any conventional clasps, rests and teeth)* D5410 Adjust complete denture - maxillary D5411 Adjust complete denture - mandibular D5421 Adjust partial denture - maxillary D5422 Adjust partial denture - mandibular D5510 Repair broken complete denture base* D5610 Repair resin denture base* D5620 Repair cast framework* D5630 Repair or replace broken clasp* D5640 Replace broken teeth - per tooth* Continued On Next Page BDC-A-CS-TX Prepaid - page 4

5 ADA Code** Service Description** Member D5650 Add tooth to existing partial denture* D5730 Reline complete maxillary denture (chairside) D5731 Reline complete mandibular denture (chairside) D5740 Reline maxillary partial denture (chairside) D5741 Reline mandibular partial denture (chairside) D5750 Reline complete maxillary denture (laboratory)* D5751 Reline complete mandibular denture (laboratory)* D5760 Reline maxillary partial denture (laboratory)* D5761 Reline mandibular partial denture (laboratory)* D5850 Tissue conditioning, maxillary D5851 Tissue conditioning, mandibular D5862 Precision attachment, by report* Prosthodontics, fixed D6210 Pontic - cast high noble metal* D6211 Pontic - cast predominantly base metal* D6212 Pontic - cast noble metal* D6240 Pontic - porcelain fused to high noble metal* D6241 Pontic - porcelain fused to predominantly base metal* D6242 Pontic - porcelain fused to noble metal* D6251 Pontic - resin with predominantly base metal* D6545 Retainer - cast metal for resin bonded fixed prosthesis* D6721 Crown - resin with predominantly base metal* D6750 Crown - porcelain fused to high noble metal* D6751 Crown - porcelain fused to predominantly base metal* D6752 Crown - porcelain fused to noble metal* D6780 Crown - 3/4 cast high noble metal* D6790 Crown - full cast high noble metal* D6791 Crown - full cast predominantly base metal* D6792 Crown - full cast noble metal* D6930 Recement fixed partial denture D6940 Stress breaker D6950 Precision attachment D6980 Fixed partial denture repair, by report* None Resin bonded bridge pontic, per unit***(*) Oral Surgery D7111 Extraction, coronal remnants - deciduous tooth D7140 Extraction, erupted tooth or exposed root (elevation and/or forceps removal) D7210 Surgical removal of erupted tooth requiring elevation of mucoperiosteal flap and removal of bone and/or section of tooth D7220 Removal of impacted tooth - soft tissue D7230 Removal of impacted tooth - partially bony D7240 Removal of impacted tooth - completely bony D7241 Removal of impacted tooth - completely bony, with unusual surgical complications D7250 Surgical removal of residual tooth roots (cutting procedure) D7270 Tooth reimplantation and/or stabilization of accidentally evulsed or displaced tooth D7280 Surgical access of an unerupted tooth D7310 Alveoloplasty in conjunction with extractions - four or more teeth or tooth spaces, per quadrant D7320 Alveoloplasty not in conjunction with extractions -four or more teeth or tooth spaces, per quadrant D7510 Incision and drainage of abscess - intraoral soft tissue D7960 Frenulectomy (frenectomy or frenotomy) - separate procedure Other Services D9110 Palliative (emergency) treatment of dental pain - minor procedure D9220 Deep sedation/general anesthesia - first 30 minutes D9230 Analgesia, anxiolysis, inhalation of nitrous oxide D9241 Intravenous conscious sedation/analgesia - first 30 minutes D9242 Intravenous conscious sedation/analgesia - each additional 15 minutes D9940 Occlusal guard, by report* D9951 Occlusal adjustment - limited D9952 Occlusal adjustment - complete Continued On Next Page BDC-A-CS-TX Prepaid - page 5

6 ADA Code** Service Description** Member Bleaching D9972 External bleaching - per arch This is a sample Member Schedule only. It is not an Evidence of Coverage. Please see the Group Dental Service Agreement, Evidence of Coverage, and Schedule, which determine all rights, benefits, and applicable limitations and exclusions. Listed copayments apply only to Plan Dentists who perform the corresponding listed services. The Plan Dentist selected by the Member may not perform all listed services. Plan Specialty Dentists may not perform or offer all services listed. Availability and participation of Plan Dentists and Plan Specialty Dentists are subject to change. ** Current and prior versions of the Current Dental Terminology (CDT) codes (in the ADA Code column) and descriptors (in the Service Description column) are copyrighted by the American Dental Association (ADA) and are used by permission. Current Dental Terminology American Dental Association. *** Service does not have an American Dental Association Current Dental Terminology code or descriptor. More often if medically necessary as determined by attending Plan Dentist. BDC-A-CS-TX Prepaid - page 6

7 Specialty Benefit Schedule for the Heritage Series How Your Specialty Benefit (SB) Works Should you need the services of a specialty dentist, you may receive those services without a referral from your Plan Dentist. To find a Plan Specialty Dentist (SB or Non-SB), refer to the provider directory. SB Plan Specialty Dentists are indicated with "SB". All other listed specialists are Non-SB Plan Specialty Dentists. Or, you may visit the web site at (click on Provider Search, and then on Heritage Series). For more information about the SB plan or for assistance in finding a Plan Specialty Dentist, call Customer Service at If you use an SB Plan Specialty Dentist (a specialty dentist who is a part of the plan provider network and accepts SB copayments) for a service listed on the schedule below, you will pay the corresponding Member shown in the SB Specialty Dentist column at the time of service. All other services obtained from an SB Plan Specialty Dentist, and all services obtained from a Non-SB Plan Speciality Dentist (a specialty dentist who is a part of the plan provider network but does not accept SB copayments), will be provided to you at a reduction in that Plan Specialty Dentist s normal retail charges. A 15% reduction applies if that dentist s specialty is endodontics. A 25% reduction applies if that dentist has any other type of specialty, including but not limited to orthodontics. You will be responsible for paying the entire reduced charge at the time of service or in accordance with that Plan Specialty Dentist s billing procedures. If you choose to go to a Non-Plan Specialty Dentist (a specialty dentist who is not part of the plan provider network), you may still receive benefits! If you obtain a service listed on the schedule below from a Non-Plan Specialty Dentist, you will be responsible for paying that specialty dentist s entire normal retail charge for the service at the time of service or in accordance with that specialty dentist s billing procedures. You may then submit a completed claim form, with an itemized bill attached to United Dental Care of Texas, Inc. (You may obtain claim forms by contacting Customer Service at ) United Dental Care of Texas, Inc. will reimburse you the lesser of (a) the corresponding amount shown in the Maximum Reimbursement with a Non-Plan Specialty Dentist column of the schedule below or (b) the amount charged by that specialty dentist for service. Payment for any other service of a Non-Plan Specialty Dentist, at that specialty dentist s normal retail charge, is your responsibility, except for Plan Benefits for covered dental Emergency Services. Annual Maximum Benefit There is no annual maximum benefit for services of an SB or Non-SB Plan Specialty Dentist. For services of a Non-Plan Specialty Dentist, there is a $2,000 annual maximum benefit. ADA Code** Service Description** SB Plan Specialty Dentist Maximum Reimbursement with A Non-Plan Specialty Dentist Appointments D0140 Limited oral evaluation - problem focused D0150 Comprehensive oral evaluation - new or established patient D0160 Detailed and extensive oral evaluation - problem focused, by report D0170 Re-evaluation - limited, problem focused (established patient; not post-operative visit) D0180 Comprehensive periodontal evaluation - new or established patient Endodontics D3320 Endodontic therapy, bicuspid tooth (excluding final restoration) D3330 Endodontic therapy, molar (excluding final restoration) D3346 Retreatment of previous root canal therapy - anterior D3347 Retreatment of previous root canal therapy - bicuspid Continued On Next Page BDC-A-SBA-IO-TX Prepaid - page 7

8 ADA Code** Service Description** SB Plan Specialty Dentist Maximum Reimbursement with A Non-Plan Specialty Dentist D3348 Retreatment of previous root canal therapy - molar D3410 Apicoectomy/periradicular surgery - anterior D3421 Apicoectomy/periradicular surgery - bicuspid (first root) D3425 Apicoectomy/periradicular surgery - molar (first root) D3430 Retrograde filling - per root Periodontics D4210 Gingivectomy or gingivoplasty - four or more contiguous teeth or tooth bounded spaces per quadrant D4211 Gingivectomy or gingivoplasty - one to three contiguous teeth or tooth bounded spaces per quadrant D4260 Osseous surgery (including flap entry and closure) - four or more contiguous teeth or D4261 tooth bounded spaces per quadrant Osseous surgery (including flap entry and closure) - one to three contiguous teeth or tooth bounded spaces per quadrant D4341 Periodontal scaling and root planing - four or more teeth per quadrant D4342 Periodontal scaling and root planing - one to three teeth per quadrant D4355 Full mouth debridement to enable comprehensive evaluation and diagnosis Oral Surgery D7210 Surgical removal of erupted tooth requiring elevation of mucoperiosteal flap and removal of bone and/or section of tooth D7220 Removal of impacted tooth - soft tissue D7230 Removal of impacted tooth - partially bony D7240 Removal of impacted tooth - completely bony D7241 Removal of impacted tooth - completely bony, with unusual surgical complications D7250 Surgical removal of residual tooth roots (cutting procedure) D7310 Alveoloplasty in conjunction with extractions - four or more teeth or tooth spaces, per D7320 quadrant Alveoloplasty not in conjunction with extractions -four or more teeth or tooth spaces, per quadrant D7510 Incision and drainage of abscess - intraoral soft tissue D7960 Frenulectomy (frenectomy or frenotomy) - separate procedure Other Services D9241 Intravenous conscious sedation/analgesia - first 30 minutes This is a sample schedule only. It is not an Evidence of Coverage. Please see the Group Dental Service Agreement, Evidence of Coverage, and Schedule, which determine all rights, benefits, and applicable limitations and exclusions. Listed copayments apply only to SB Specialty Dentists who perform the corresponding listed services. Plan Specialty Dentists may not perform or offer all services listed. Availability and participation of SB and Non-SB Plan Specialty Dentists are subject to change. **Current and prior versions of the Current Dental Terminology (CDT) codes (in the ADA Code column) and descriptors (in the Service Description column) are copyrighted by the American Dental Association (ADA) and are used by permission. Current Dental Terminology American Dental Association. ***Service does not have an American Dental Association Current Dental Terminology code or descriptor. More often if medically necessary as determined by attending Plan Dentist. BDC-A-SBA-IO-TX Prepaid - page 8

9 Learn more about the prepaid dental plan being offered to you! Your employer is offering you an attractive prepaid dental plan. This Q&A will help provide you more information about the plan being offered to you. What is a prepaid plan? With a prepaid plan you pay a monthly prepayment fee plus you pay reduced fees called copayments for dental services provided. To receive the reduced fees you must use a Plan Dentist selected at the time of enrollment. What are copayments and where can I locate the copayment schedule? A copayment is the set fee that you pay to the Plan Dentist at the time of treatment for covered services that are being performed. The copayment schedule is a listing of covered services and copayments for your plan. The schedule is included in the Evidence of Coverage. It is helpful to bring your copayment schedule to your dental appointment. How do I select a Plan Dentist? You should select your Plan Dentist when you enroll. You can visit and go to Provider Search or refer to your plan network directory for a listing of Plan Dentists. On the web site please choose the Heritage Series network listed on the Provider Search page for provider look-up. Note that your Plan Dentist must be a general dentist, not a specialty dentist. How long does it take to appear on the patient list/roster of my Plan Dentist that I select at time of enrollment? If we receive your Plan Dentist selection by the 20th of the month, you will appear on the roster the 1st of the next month. If we receive the selection after the 20th, you will appear on the roster the 1st day of the second following month. If you are not listed on the roster, please contact us at How will the Plan Dentist know I am a patient? The Plan Dentist receives a patient listing, called a roster, from us each month that includes all members who have chosen that individual as their dentist. Please confirm at the time of making your appointment with the Plan Dentist that you are on the provider s roster. Can I change my Plan Dentist? Yes, you can. To change your Plan Dentist, contact Customer Service at What if I choose to see a dentist other than my selected Plan Dentist? The costs will not be covered by your dental plan and you will be responsible for the full payment to the dentist. This is why it is important for you to seek treatment from your selected Plan Dentist. If I have a dental emergency, do I need to see my Plan Dentist? First, contact your Plan Dentist to make an appointment. If your Plan Dentist is unable to see you, you may seek treatment from any licensed dentist in the United States. Please be informed that the emergency benefit in your plan only covers procedures administered in a dentist s office or comparable facility to evaluate and stabilize conditions that are Dental Emergencies, as specified (with a description of benefits payable) in the Evidence of Coverage. If I need to see a specialty dentist, how do I go about finding a Plan Specialty Dentist in my area? You may find a list of Plan Specialty Dentists by looking in the plan network directory, visiting the web site at or calling for assistance. No referrals are necessary from your Plan Dentist to seek treatment from a Plan Specialty Dentist. What if I lose my Dental ID card or have a question about my plan? Contact Customer Service by calling Prepaid - page 9 BDC-A-QA-UDCTX

10 Limitations & Exclusions Termination Pre-existing Conditions Limitations and exclusions apply with respect to the Member s oral conditions without regard to whether or not such conditions existed before the effective date of the Member s enrollment. Limitations and Exclusions Plan Benefits are not available for: 1. Any services not specifically described in the Schedule (including but not limited to any hospital or outpatient care facility cost associated with any dental service). 2. Any part of and dental service for which a charge is incurred before the effective date of the Member s enrollment. 3. Any dental service initiated after the Member s enrollment ends. 4. Services provided by Non-Plan Providers unless (a) for services of Non-Plan Specialty Dentists as specifically provided in the SPECIALTY DENTIST SERVICES section of the Schedule or (b) for Emergency Services as specifically provided in the EMERGENCY PROCEDURES Article of the Evidence of Coverage. 5. Replacement of bridgework, dentures or other fixed or removable appliances unless (a) at least five years have elapsed since such appliance was provided as a Plan Benefit, or (b) during that five-year period, appliance becomes unusable and cannot be made usable due to the Member s illness or an accident involving damage to the appliance while it is in use. 6. Replacement of dentures or other removable appliances due to (a) damage while not in use or (b) loss or theft. 7. Oral reconstruction using fixed bridgework or other fixed appliances if the overall treatment plan to achieve complete oral reconstruction involves the replacement of six or more teeth (whether those teeth are missing before treatment begins or are extracted as part of the overall treatment plan). 8. Implants or any related implant appliances, or surgery for the insertion of implants or any related implant appliances, whether fixed or removable. 9. Surgical removal of implants or implant appliances, or any surgical or non-surgical services to adjust, repair, replace, or treat any problem related to an existing implant or implant appliance, whether fixed or removable. 10. Restorations or splints used to increase vertical dimension, restore occlusion, or replace or stabilize tooth structure lost by attrition. 11. Orthodontic treatment involving therapy for myofunctional problems, TMJ (temporomandibular joint) dysfunctions, micrognathia, macroglossia, cleft palate or other growth and developmental abnormalities. 12. Orthodontic treatment associated with orthognathic surgery, whether the treatment precedes or follows the surgery. 13. Extractions of third molars (wisdom teeth) that are not symptomatic, whether or not the extractions follow the completion of orthodontic treatment. Examples of symptomatic conditions include decay, odontogenic cysts, chronic pericoronitis and infection. 14. Treatment of malignancies, neoplasms or cysts, including but not limited to biopsies. Orthodontic Extractions Extractions by a Plan Provider for solely orthodontic purposes are not subject to the fixed s shown for extractions in the Schedule. Instead, such extractions are subject to charges reflecting a 25% reduction from that Plan Provider's normal retail charges for such extractions. Termination The Member s enrollment may be terminated as stated in the TERMINATION article of the Evidence of Coverage. BDC-A-LE-TX Prepaid - page 10

11 Vision Discount Services ACCESS PLAN Your dental plan includes a vision discount plan through Vision Service Plan (VSP). The vision plan includes discounts on exams (including contact lens exams) and the purchase of eyeglasses, sunglasses and other prescription eyewear when provided by VSP doctors. VSP is available for you and everyone covered on your dental plan! Services Available from a VSP Doctor Other Valuable Features for You Eye Exams 20% discount applied to VSP doctor s usual and customary fees for eye exams 1 Glasses 20% discount applied to VSP doctor s usual and customary fees for complete pairs of prescription glasses and spectacle lens options 2 Contact Lenses 15% discount off the contact lens exam (fitting and evaluation) 2. Laser VisionCare SM VSP has contracted with many of the nation's laser surgery facilities and doctors, offering you a discount off PRK and LASIK surgeries, available through contracted laser centers How to Use VSP Immediate savings when using a VSP doctor You may use the discounts as often as you wish No waiting periods No deductibles No claim forms to fill out Locate a VSP doctor near you. You may either use our Web-based doctor locator at or call VSP at to request a doctor listing. Identify yourself as a VSP member and be prepared to provide the enrolled member s social security number when you make your appointment. (The VSP doctor will verify your eligibility and vision plan coverage, and will obtain authorization for services and materials. If you are not currently eligible for services, the VSP doctor is responsible for communicating this to you.) Your fees are automatically reduced at the time of service with no claim forms to fill out! THIS VISION DISCOUNT PLAN IS NOT INSURANCE. 1 Note: Does not apply to contact lens services. See contact lens section for applicable discount. 2 Discounts only offered through the VSP doctor who provided an eye exam within the last 12 months. VSP VSP Member Services Support: Visit our Web site at Prepaid - page 11

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